TNBANK

TNBANK is headquartered in Oak Ridge and is the 101^st largest bank in the state of Tennessee. It is also the 3,431^st largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 48 employees at 5 locations. TNBANK has a 3-star health rating.

TNBANK Routing Number: 064204253

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Data for Q1 2012

Institution Statistics TNBANK FDIC Certificate # 34023 BankRate Report View Year Established 1995 Employees 48 Primary Regulator FDIC Assets and Liabilities Assets $177.16 million Loans $112.92 million Deposits $140.08 million Equity Capital $18.55 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $5.52 million Real Estate Owned $2.48 million Historic Data - March 2011 Assets $174.21 million Equity Capital $17.45 million Loan Loss Allowance $1.76 million Unbacked Noncurrent Loans $8.32 million Real Estate Owned $4.41 million Profit Margin - Quarterly Net Interest Margin 3.68% Return on Assets 0.15% Return on Equity 1.47% Interest Income $1.91 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 TNBANK had $8 million in non-current loans and owned real-estate with $19.89 million in equity and loan loss allowances on hand to cover it. This gives TNBANK a Texas Ratio of 40.20% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for TNBANK decreased slightly from 66.27% as of March 31, 2011 to 40.20% as of March 31, 2012, resulting in a positive change of 39.33%.This indicates that the balance sheet and financial strength for TNBANK has improved slightly in recent periods. Deposit Growth In the past year, TNBANK has increased its total deposits by $2.01 million, resulting in 1.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth TNBANK has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. TNBANK has $177.16 million in assets with $19.89 million in equity, resulting in a capitalization level of 11.23%, which is above average.

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